Glossary
Primary insurance amount
Also called PIA
Definition
The primary insurance amount (PIA) is the monthly Social Security benefit payable at full retirement age, calculated from average indexed monthly earnings using bend points: $1,286 and $7,7492026 · SSA for 2026. Claiming age adjusts it up or down.
How primary insurance amount works
The formula replaces 90% of earnings up to the first bend point, 32% up to the second and 15% above it, which makes benefits progressive.
Spousal and survivor benefits are based on the worker's PIA.
Why it matters to a firm
Understanding PIA helps clients see why claiming age and earnings history matter.
| 2026 figure | Source |
|---|---|
| Social Security PIA bend points: $1,286 and $7,749 | SSA |
Calculators that use primary insurance amount
Questions about primary insurance amount
Where do I find my PIA?
In your my Social Security account estimate at FRA.
What are bend points?
Thresholds in the benefit formula: $1,286 and $7,7492026 · SSA.
Does PIA include COLAs?
COLAs are applied after eligibility.
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Related terms: Full retirement age
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